“余额宝”与其说是天弘和阿里创造了一个贴心的产品设计,不如说是市场和用户自己做了一次满意的产品选择,而这种选择2013年终同行聚首,大家都不约而同地把互联网金融列为过去一年的年度金融关注事件。如果问我对这个新兴事件最大的感触,相信许多从业金融多年的同行们和我会有同样的感受——不是对日新月异的各种金融创新的唏嘘及其产品长尾效应的感叹,而是对互联网金融创新中所体现的市场力量,发自 “Balance treasure ” Celestial and Ali is not so much to create a caring product design, as it is the market and the user made a satisfactory product choice, but this choice gathered in the same peer in 2013, we are invariably the Internet Finance is listed as an annual financial concern of the past year. If you ask me the greatest feeling about this emerging event, I believe many of my colleagues who practice banking for many years share the same feeling with me - not the sigh of the ever-changing financial innovations and the long tail effect of their products, but rather Market forces embodied in Internet financial innovations originated from